What is the fund management model?

What is the fund management mode? Fund. Gold operation is the foundation of enterprise's survival, the backbone of enterprise and the important foundation of enterprise's stable survival and development. Therefore, the fund should also have a complete mode of operation. Let's see what the fund management model is.

What is the fund management model? 1 enterprise fund management, in short, is to manage all money-related affairs in the enterprise.

It can be roughly divided into the following aspects:

1. Cash management: including holding cash safely, improving the income of holding cash and effectively reducing the cash held.

2. Collection management: cash collection, business collection method selection (the impact of different collection methods on enterprise costs), accounts receivable management, etc.

3. Payment management: cash payment and payment methods.

4. Financing management: external borrowing, selection of loan varieties and time planning.

5. Inventory management: goods procurement includes payment method, payment schedule, inventory cycle management, etc.

6. Tax planning: such as reducing tax expenditure, enterprise asset management, enterprise cash flow management, capital planning, etc. Through the capital increase, dividend distribution and current loan planning of member units.

A perfect and ideal enterprise fund management team should manage all aspects of the enterprise, as long as it is directly or indirectly related to money, it needs to participate and manage.

However, due to the restrictions and ideas of fund managers, some enterprises usually mainly manage financing-related businesses, holding cash and receiving cash.

Only when the enterprise's fund management is mature and there are enough personnel will it gradually involve the management of other fund-related businesses.

Based on financial relations and legal relations, enterprises give their subsidiaries autonomy through the division and grant of fund management rights, so that they are no longer relatively independent decision-making levels.

Therefore, through the fund management system, the relationship between members and enterprises can be clarified, and the execution and control of financial decision-making of enterprises can be enhanced.

What is the fund management model? 2. The fund management mode mainly includes:

Unified revenue and expenditure mode, reserve fund allocation mode, internal banking mode, settlement center mode, financial company mode, and revenue and expenditure two-line mode.

1, financial company mode

An independent legal person company is a non-bank financial institution that operates part of the banking business. As a subsidiary of the group company, its main function is to realize internal transfer settlement within the enterprise group and carry out various financing and investment activities in a unified manner.

2. Internal banking model

An internal fund management model established by introducing the basic operation mode and management mode of commercial banks into the internal management mechanism of enterprises.

3. Settlement center mode

The internal fund management organization (department) independent of the group finance department is a specialized organization established within the enterprise group to handle the cash receipt and payment and settlement business of internal members or branches, and realize the concentration of group funds through the concentration of settlement functions.

4, two lines of revenue and expenditure mode

To put it simply, the two lines of revenue and expenditure mean that all the income of subordinate units must be turned over to the corporate headquarters in accordance with the regulations and shall not be withheld for use. All expenses are allocated by the company headquarters according to the budget, and the balance of income and expenditure is retained by the company headquarters for centralized use.

What is the mode of fund management? 3. Analysis of the importance of enterprise fund management

1, fund management is an important guarantee for the effective use of funds and can improve the efficiency of the use of funds.

Enterprises should ensure that the use of funds is planned and budgeted. Enterprises should make reasonable plans and pay according to the specific use of funds. They must not blindly use funds, while maintaining a reasonable amount of funds. Too little or too much retained funds may reduce the ability of enterprises to repay debts and have a negative impact on enterprises. However, holding too much capital may cause a waste of resources, and enterprises should find an optimal balance point to ensure that their own funds are kept within a reasonable range. In this way, enterprises can use limited funds on the "cutting edge" and greatly improve the efficiency of the use of funds.

2. Strengthening fund management can standardize the economic behavior of enterprises and promote the healthy development of enterprises.

The situation of fund management will have an impact on the economic benefits of enterprises. There are many cases in which the operating efficiency and benefit decrease because of problems in fund management. Therefore, fund management plays a very important role in the daily management and operation of enterprises. It can restrain the financial personnel's economic behavior, reduce the probability of financial personnel's economic fraud, and make them dare not misappropriate funds and embezzle, thus playing a better role in restraining.

Nowadays, fund management is no longer the responsibility of the financial department. All departments at all levels of enterprises should actively participate in the process of fund management, complete the fund work from bottom to top, so that enterprises can form a joint force, thus effectively ensuring the smooth realization of fund management and even financial work, continuously improving the economic and social benefits of enterprises, and then promoting the healthy production and sustainable development of enterprises.

Two, improve the enterprise fund management countermeasures and measures

1. Standardize fund management and improve the level of fund analysis.

First, the operation of funds should be guaranteed by a sound system, and enterprises must improve and perfect the examination and approval system of funds. The business manager of the enterprise shall fill in an application form for payment for the use of funds, including the amount of funds used, business content, manager's name, time, payment method, bank, payee and other matters, and shall be signed by the competent person for approval. After authorization, it must be reviewed by the financial department to ensure that there are no problems in the above procedures before payment can be made.

Second, improve and perfect the enterprise's fund tracking system, avoid the phenomenon of fund misappropriation and prevent the loss of funds; At the same time, it is necessary to improve the reward and punishment mechanism for the use of funds, so that the system can be effectively applied to the practice of enterprises, and truly reward the excellent and punish the poor, so as not to make the system a dead letter.

Third, follow the principle of storage cost, scientifically determine the stock of enterprise assets, and analyze the capital cost, management cost and shortage cost of various assets around it on the basis and premise of normal production and operation, so as to minimize the sum of the three, reduce the capital cost and management cost, strengthen the refinement of management, and gradually change the traditional "quality" management into "quantity" management, thus continuously improving the fund management level of enterprises.

Fourth, the preparation of cash flow statement should be periodic, and at the same time, it should reflect the operation of funds around cash and strengthen the analysis of funds. Among the various states in which funds exist, cash is the most active form of expression, and it is also the end and starting point of capital circulation. Therefore, for managers of enterprises, the information of cash flow is often more important than the movement of funds, so enterprises must strengthen the monitoring of cash management.

2. Realize centralized management of funds and facilitate unified deployment.

At present, opening more accounts is an important problem faced by enterprise fund management. Nowadays, the external market environment in which enterprises are located is becoming more and more fierce, which also intensifies this phenomenon, which eventually leads to the precipitation of funds, inconvenient use and distribution, and poor flexibility.

There are different reasons for enterprises to open more accounts, because each bank has different strength, provides different financial services and innovation capabilities, and develops different financial products, which eventually leads to the phenomenon of enterprises opening more accounts. This phenomenon has both advantages and disadvantages. In order to better deal with this problem, enterprises should focus on the following points: first, enterprises must grasp the degree to which banks can meet their own needs according to their actual needs and try their best to do so.

Second, enterprises can set up full-time personnel to manage accounts, clean up accounts regularly or irregularly, and cancel accounts that are not commonly used as soon as possible. Third, when dealing with reserved accounts, we should realize the reasonable collection of funds. Because the deposit and idleness of funds will reduce its use efficiency, which is not conducive to managers' control of funds and investment decisions, enterprises should realize centralized management of funds, improve the use efficiency of funds and improve financial management.

3, pay attention to improving the budget, inward and outward expansion.

In order to improve the level of fund management, we should also focus on strengthening the fund budget work. Budget can effectively control the income and expenditure of funds. It is an integral part of an enterprise's overall budget, which provides guarantee for all aspects of enterprise management and operation. Enterprises should improve the budget committee, co-ordinate the budget work, the committee takes the lead, the management attaches importance to it, and all employees participate. According to the process of combining up and down, summarizing step by step and compiling at different levels, the fixed budget and flexible budget, rolling budget and regular budget are combined to compile, and various expenditures are reasonably reduced internally according to the principle of internal insurance and external expansion;

Externally, it is necessary to explore financing channels in combination with the actual business situation of enterprises to reduce the risks brought by enterprise capital turnover. On the other hand, it is also necessary to monitor the use of budget funds in real time, improve the budget coordination mechanism and early warning and supervision mechanism, and at the same time formulate the corresponding budget evaluation performance system to ensure the strictness of budget preparation and the stability of implementation, and at the same time do a good job in relevant evaluation, give full play to the incentive role, and never let the budget become a mere formality for enterprises.